Harvard Pilgrim Health Care of NE denied your claim in New Hampshire. Here is your deadline.
Put in the date on your Harvard Pilgrim Health Care of NE notice and get both federal deadlines as calendar dates.
Free, for a Harvard Pilgrim Health Care of NE denial in New Hampshire, and it runs entirely in your browser. The date, the plan type and the state you pick are never sent to us and never stored.
Harvard Pilgrim Health Care of NE denied 33,754 of 117,211 in-network claims in New Hampshire; every one of those denials had these same two dates on it. Across New Hampshire as a whole the insurers in this file denied 10.4% of in-network claims, 321,334 of them, and 511 were appealed.
Harvard Pilgrim Health Care of NE denied 28.8% of in-network claims in New Hampshire, 33,754 claims out of 117,211.
Insurance got denied, what to do next?
Those 33,754 denials are 10.5% of every in-network denial recorded in New Hampshire in this release, which makes Harvard Pilgrim Health Care of NE the 3rd largest source of denials of the 3 insurers reporting there. Spread across its 9 plans in the state that is about 3,750 denials per plan. 84 internal appeals were filed against those 33,754 denials. Every one of those denials carried the same two dates the tool at the top of this page works out.
Two dates matter more than anything else on this page, and they run the same in New Hampshire as everywhere else. You have 180 days from the date on your denial notice to file the internal appeal, and then 4 months from the final internal denial to ask for an independent external review. If waiting would seriously jeopardize your health you can ask for both to be expedited, decided in about 72 hours. Both timeframes are federal, not your insurer's choice, 29 CFR 2560.503-1 (PDF) and 45 CFR 147.136 (PDF), in plain English at HealthCare.gov, and your own denial letter states the ones that govern your plan. The PDFs are the same sections on govinfo.gov, which serves them without a challenge page, so an automated reader can check these two dates as easily as you can.
You are not alone, and here is the measured version of that sentence: 33,754 in-network claims were denied by Harvard Pilgrim Health Care of NE in New Hampshire in a single plan year. A denial rate is a fact about an insurer's book of business. It is not a judgment about you, and it is not the last word on your claim.
- Of the 3 insurers reporting a denial rate in New Hampshire, Harvard Pilgrim Health Care of NE is the first highest at 28.8%. The highest in the state is 28.8% and the lowest is 7%.
- That is 10.1 percentage points above the 18.7% national average across this dataset, and 18.4 points above the New Hampshire average of 10.4%.
- Behind the percentage: 117,211 in-network claims were processed under 9 plans in New Hampshire, and 33,754 of them came back denied.
- For every 10,000 claims Harvard Pilgrim Health Care of NE denied, about 25 came back as an internal appeal. The other 9,975 stopped at the letter.
- Of the internal appeals it did receive, Harvard Pilgrim Health Care of NE overturned 33.33%, 28 claims that started life as a no.
- Not one of those denials reached independent external review, the stage whose decision the plan is required by law to accept, and where nationally 32.8% are overturned.
- Harvard Pilgrim Health Care of NE accounts for 10.5% of every in-network claim denied in New Hampshire in this file.
- By raw volume it is the 126th largest source of denials among the 158 insurer-state records in the file that report one.
- Read the other way round: 83,457 of those 117,211 in-network claims were paid, 71.2% of everything Harvard Pilgrim Health Care of NE processed in New Hampshire.
- Spread across the 9 plans it reports in New Hampshire, that is about 3,750 denied claims per plan, on about 13,023 claims processed per plan.
- Against the file as a whole, this one record is 0% of the 84,502,749 in-network claim denials reported by every issuer in it.
- Find the reason code on your denial letter. The federal file records no denial-reason breakdown for Harvard Pilgrim Health Care of NE in New Hampshire, so this page cannot tell you which of the 9 categories yours will be, your letter can, and it has to. Copy the exact wording and the code off it tonight: that sentence is what your appeal has to answer.
- Ask Harvard Pilgrim Health Care of NE in New Hampshire for the clinical criteria they judged you against. Under 29 CFR 2560.503-1 they have to hand you the claim file and the policy they applied, free, on request, and you cannot argue with a checklist you have never read.
- Put both deadlines on your calendar before you go to bed. 180 days from the date on the letter for the internal appeal, 4 months from the final internal denial for external review. The free calculator on this page turns your date into the two calendar dates in about ten seconds. Harvard Pilgrim Health Care of NE overturned 33.33% of the internal appeals it did receive, 28 claims, so the stage you are about to start is not decorative.
None of those three steps costs anything. Anyone charging you to do them is selling you something you can do yourself in twenty minutes.
How that compares
| Denial rate | Rate | Difference |
|---|---|---|
| Harvard Pilgrim Health Care of NE | 28.8% | , |
| New Hampshire average | 10.4% | +18.4 pts |
| National average (this dataset) | 18.7% | +10.1 pts |
Harvard Pilgrim Health Care of NE denies 10.1 percentage points more of its in-network claims than the national average across this dataset. A denial rate is a property of the insurer's book of business, coding practice, plan design, the population it covers, not evidence about the merits of any one claim, including yours.
What happened to appeals
| Stage | Filed | Overturned |
|---|---|---|
| Internal appeal (to Harvard Pilgrim Health Care of NE) | 84 | 33.33% |
| External review (independent) | 0 | 0% |
The gap nobody escalated
33,754 claims denied. 84 internal appeals filed. None reached independent external review. Nationally 32.8% of external reviews are overturned and the decision binds the plan.
That is arithmetic from the reported figures, not a prediction: nobody can say what those specific denials would have done at review, because they never got there. What the numbers do establish is that the binding stage was almost entirely unused here.
What that record means for your own Harvard Pilgrim Health Care of NE letter, and by when. Harvard Pilgrim Health Care of NE overturned 33.33% of the 84 internal appeals its New Hampshire members filed against 33,754 denials, and not one of those New Hampshire denials went on to the independent stage whose decision binds the plan, Harvard Pilgrim Health Care of NE's own rows in the plan-year 2026 release of the CMS Transparency in Coverage file, read September 5, 2026 (data.healthcare.gov). Whichever way that lands, nobody files the appeal for you, and the filing runs on a clock set by which plan you hold: an employer or Marketplace plan gives you at least 180 days from the denial notice to file the internal appeal (29 CFR 2560.503-1(h)(3)(i), carried onto individual-market coverage by 45 CFR 147.136(b)(3)(i)), while Medicare Advantage gives you 60 calendar days after you receive its notice (42 CFR 422.582(b)) and Medicaid managed care the same 60 calendar days from the date on the notice (42 CFR 438.402(c)(2)(ii)), both stages free, and the three steps above are the whole of what to do tonight, so take the date printed on your Harvard Pilgrim Health Care of NE notice and file well inside whichever of those windows is yours. The free steps are above; the $29 kit is the same clock with the letters pre-filled for Harvard Pilgrim Health Care of NE in New Hampshire. One payment. No subscription. No cut of your claim.
Harvard Pilgrim Health Care of NE inside New Hampshire
Your denial did not happen in a national average. It happened in a state market, alongside 3 other insurers reporting into the same federal file, and these are that market's own figures.
- Across the whole of New Hampshire, the 4 insurers reporting in this file processed 3,077,141 in-network claims and denied 321,334 of them, a state denial rate of 10.4%. Harvard Pilgrim Health Care of NE is one of those 4.
- That puts New Hampshire 28th of 30 states by denial rate, 8.3 points below the 18.7% national average, before you get to what Harvard Pilgrim Health Care of NE did inside it.
- New Hampshire recorded 511 internal appeals against those denials: one appeal for every 629 claims the state's insurers refused. Harvard Pilgrim Health Care of NE's own ratio is one for every 402.
- Not one denial in New Hampshire reached independent external review in the reported year, not Harvard Pilgrim Health Care of NE's and not any other insurer's in the state. That is the stage whose decision the plan is required by law to accept.
- The reason New Hampshire's insurers record most often is service excluded from the plan, 70,496 claims, 25% of the state's categorized denials.
- The other insurers a New Hampshire reader could have bought from run from 17.6% (Celtic Insurance Company) to 7% (Matthew Thornton Hlth Plan(Anthem BCBS)). Harvard Pilgrim Health Care of NE at 28.8% sits above all of them.
- Put the two together and Harvard Pilgrim Health Care of NE is responsible for 10.5% of every in-network claim denied in New Hampshire in this release, from 3.8% of the claims the state's insurers processed.
- Every New Hampshire figure in this section is that state's own row in the same federal file Harvard Pilgrim Health Care of NE's numbers above come from, CMS Transparency in Coverage Public Use File (PY2026 release, PY2024 claims), data.healthcare.gov — US Government public domain, and the full New Hampshire page is free at /states/new-hampshire.
Put the date from your notice in and get the two calendar dates, with the days remaining.
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The three steps at the top of this page are the whole of what you have to do tonight. The longer version, what the internal appeal has to contain, how the independent stage works, and how to ask for expedited handling when waiting would seriously jeopardize your health, is published free here. For what it is worth on this page specifically: Harvard Pilgrim Health Care of NE overturned 33.33% of the internal appeals it received.
Questions
Is Harvard Pilgrim Health Care of NE's denial rate in New Hampshire high?
28.8% against a national average of 18.7% across the plans in this dataset. It is above average. A denial rate describes the insurer, not the merits of your claim.
How many people appealed a Harvard Pilgrim Health Care of NE denial in New Hampshire, and how many won?
84 internal appeals were filed against 33,754 denials, and 33.33% of them were overturned (28 claims). Not one went on to independent external review, the stage whose decision is binding on the plan.
How does Harvard Pilgrim Health Care of NE compare with other insurers in New Hampshire?
Of the 3 insurers in New Hampshire with a reported denial rate, Harvard Pilgrim Health Care of NE ranks 1 highest at 28.8%. The highest in New Hampshire is Harvard Pilgrim Health Care of NE at 28.8%; the lowest is Matthew Thornton Hlth Plan(Anthem BCBS) at 7%.
What does Harvard Pilgrim Health Care of NE deny most often in New Hampshire?
No denial-reason breakdown was reported for Harvard Pilgrim Health Care of NE in New Hampshire. The reason New Hampshire's insurers recorded most often is service excluded from the plan, 70,496 claims, and that is the state's mix, not this company's.
How long do I have to appeal a Harvard Pilgrim Health Care of NE denial in New Hampshire?
Generally 180 days from the date on the denial notice to file the internal appeal, then generally four months from the final internal denial to request independent external review. Expedited review, decided in about 72 hours, is available where delay would seriously jeopardize your health. Those timeframes are federal, so they are identical for every insurer reporting in New Hampshire, Harvard Pilgrim Health Care of NE included, what varies by state is who runs the independent review at the end. Your own denial letter states the deadlines that govern your plan; that letter is the authority.
Does appealing a Harvard Pilgrim Health Care of NE denial in New Hampshire cost anything?
The internal appeal to Harvard Pilgrim Health Care of NE is free. External review is free under the HHS-administered federal process; where an issuer uses a contracted independent review organization or a state process, any fee is capped at $25 per review. Nobody in New Hampshire can be charged more than that to file one.
Can Harvard Pilgrim Health Care of NE ignore an external review decision in New Hampshire?
No, and that is the whole point of the stage. External review decisions are binding on the plan by law, which is what makes the zero external reviews recorded against 33,754 Harvard Pilgrim Health Care of NE denials in New Hampshire the striking number on this page.
The line on this page I would read twice is the one that says not one of Harvard Pilgrim Health Care of NE's 33,754 denials in New Hampshire reached independent review. I am not going to tell you that you will win. This page prints the insurer's own reported numbers whichever way they fall. If what it says does not match the letter in your hand, write to me and I will correct the page.
, Andrew at Axion Labs · hello@getaxionlabs.comEverything you need for your Harvard Pilgrim Health Care of NE appeal in New Hampshire: your two deadlines, the argument that fits your denial reason, the letters, the clinician brief, and the external review request. One payment. No subscription. No cut of your claim. Opens on screen the moment you pay. 14-day refund, no questions, one email to hello@getaxionlabs.com.
The Harvard Pilgrim Health Care of NE figures on this page, the 28.8% denial rate, the 33,754 denials and the 0 external reviews, are this issuer’s own reported rows in that file.
Counts: CMS Transparency in Coverage Public Use File (PY2026 release, PY2024 claims), data.healthcare.gov — US Government public domain. Rights and timeframes: 29 CFR 2560.503-1 (180 days, and your free right to the claim file) and 45 CFR 147.136 (4 months, and what qualifies), explained at HealthCare.gov. Expedited review is decided in about 72 hours under both sections.
Reading either regulation from a script rather than a browser: eCFR answers automated fetches with a challenge page, so the same two sections are mirrored as government PDFs at govinfo.gov (29 CFR 2560.503-1) and govinfo.gov (45 CFR 147.136).